Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$161,141Cash toward the purchase price.
Closing costs + prepaids$9,839Not just lender fees.
Before credits & paid funds$170,981The complete starting cash picture.
Estimated remaining funds due at closing
$170,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,141.20
Your down payment$161,141.20
Closing costs + prepaids$9,839.43
Total buyer cash needed$170,980.63
Remaining funds due$170,980.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$709.00
Prepaid interest, first (24 days)$205.43
Fees + prepaids$9,839.43
Your down payment is the seller’s equity. You take over the $108,859 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $170,980.63 is due at closing. Uses and sources reconcile at $279,839.43 each. Not a Closing Disclosure.